No insurance expert but just reading our contents PDS it talks about things like 'Personal valuables - unspecified items' and 'Personal valuables - specified items' and I see words like 'an item that is normally carried by you away from from the insured address' and 'photographic or optical equipment'. All highly conditional and there are percentage limits etc and it's all under optional cover so you are going to pay for it.
Might be worth having a look around at what other companies offer. After all am sure we all check our cover every year or two to make sure we are getting the best deal we can
Gary